Get your personal loan from Cashfloat
Bad credit. Low rates. UK based.

Looking to borrow money online? You’ve come to the right place for personal loans! Cashfloat, a trusted direct lender is here to help. We offer instant decision loans with same day payout, if approved. You can apply now with Cashfloat and receive up to £1500!


What is a Personal Loan?

Personal loans are a way to cover large one-time expenses which may be things like buying a car, wedding expenses or a home improvement job. You can borrow personal loans from banks, online money lenders like us or credit unions and you pay back in fixed monthly payments or instalments. A personal loan is usually unsecured, which means if you can’t make your monthly repayments, the lender can not repossess anything you own. A secured personal loan will require some form of collateral.

What our customers say
Mrs Elena L
Verified Buyer –

Outstanding customer service. Better than my bank. Helps more than the banks at present. I highly recommend it. Kind regards

Verified Buyer –

Applied. Nice and easy. No messing about or added fees or passed over to other lenders. All sorted. Excellent service. I will use again

Verified Buyer –

Outstanding service including outstanding customer skills. Companies like you help people more than the big banks when needed. Many thanks

Verified Buyer –

Very quickly got the money. Had to send in a payslip and go through a few things over the phone but they were very patient and helpful after a half hour funds were in and I received a text and email to let me know thanks CashFloat

How our personal loans work
a step-by-step guide

Apply for your personal loan by filling out the application form.


Get your personal loan decision within 90 seconds


If approved, you will receive you personal loan within an hour.


Make your monthly personal loan repayments to Cashfloat.

Personal Loans for Bad Credit

Do you have bad credit and need to borrow money? Cashfloat is a direct lender in the UK offering loans for bad credit. Although we do carry out a thorough credit check, we still may lend to people even if they have a poor credit report. Don’t let your bad credit get you down. Apply online with direct lender Cashfloat and experience the difference.

How can I improve my chances of being approved for a personal loan with bad credit?

The best way to improve your chances of being approved is to begin by getting to know your credit rating, as having a good credit score is often the most important factor in getting your application approved. You can get your credit score from a credit reference agency. Paying back creditors on time and using a credit card responsibly will improve your credit score. For more information about improving your credit score, visit our blog on improving your credit rating.


Can I apply for a personal loan without a credit check?

All FCA authorised and regulated lenders are recommended to carry out a credit check on all applicants. Credit checks are carried out to protect the customer from agreeing to repayments they can not afford. Since Cashfloat is regulated by the Financial Conduct Authority, we do not offer no credit check loans in line with our responsible lending policy. At Cashfloat, our technology assesses your affordability to repay the monthly payments over your credit score.

Why should I trust Cashfloat?

How much do you need?
Other amount
Ready for a personal loan from Cashfloat?
Repayment total

Repay over: 3 months, 3 repayments of: £220


Cashfloat – The best borrowing option

Before applying, you have the job of finding the best personal loan lender that will work for you. Cashfloat provides loans over a short period of time for a very competitive APR. Whereas most small loan APR rates are well into the thousands, our representative APR is just 997 percent! Of course, if you can get 0 interest personal loans from friends or family or dole out from your savings, it will save you money. As always, investigate ALL your options to find yourself the best option.

Personal loans FAQs

What is an unsecured personal loan?

An unsecured personal loan is a loan that is not backed by any collateral. By taking this type of loan, the borrower promises to repay it without offering an asset such a car or by getting a guarantor. Cashfloat offer unsecured personal loans with an instant decision. Apply now, and we will do our best to fund you the same day.

Are unsecured loans with no guarantor more expensive than secured loans?

Usually, an unsecured personal loan with no guarantor will work out to be more expensive than if it would be secured. This is because when a lender gives an unsecured loan they are relying totally on the customer to pay back, and the lender is more at risk. When a lender gives a secured loan, they are less at risk because if the customer defaults, either the guarantor will pay back or the lender may be able to sell the customer’s car (or other item) to get the money back.

Is an unsecured personal loan in the UK the same as an unsecured short term loan?

Since a personal loan is simply borrowing money for personal use, short term loans can fall under this category. A form of a personal loan that is becoming more and more popular is where they are repaid in monthly payments. This is because the repayments are far easier to manage over a few months than in a lump sum. Cashfloat’s dynamic personal loans can be repaid in a lump sum or in instalments – whatever is more comfortable for you.

Who will offer me the best personal loan rates, a direct lender or broker?

It is in your best interest that you get a personal loan with low interest rates. Dealing with a direct lender will generally be cheaper for you as it will not involve any broker fees. Another plus of dealing with a direct lender is that they will give you the money directly and if there are any issues you will deal with them. Cashfloat is a direct lender who charge no extra fees for the application.

Does applying for credit in the UK affect your credit score?

When you apply for any loan, whether it’s an online application or instore, it is marked on your credit file. This should not have a negative impact on your credit as long as you don’t apply several times in a short period of time. However, if you miss a payment or default on your agreement, this will go straight onto your credit report and can make it harder to obtain loans in the UK in the future.